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Stream/Area:
-
Subject:
-
Paper ID:
10.55041/IJSREM.GSTCOS076
Volume:
10 |
7 |
Jul 2026
Pages:
1-9
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Student of MBA,
CMR Institute of Technology, Hyderabad, Telangana India.
Assistant Professor of MBA,
CMR Institute of Technology, Hyderabad, Telangana India.
Financial Technology (FinTech) has transformed the financial sector by making financial services more accessible, convenient, and efficient for people from different backgrounds. This study examines how digital services such as mobile banking, UPI, online banking, and digital wallets contribute to financial inclusion. The research is based on primary data collected from 100 respondents through a structured questionnaire. It analyses the awareness, usage, and effectiveness of FinTech services in everyday financial activities. The study finds that FinTech improves convenience, enables faster transactions, reduces dependence on cash, and encourages the use of formal financial services. However, challenges such as limited digital literacy, cybersecurity concerns, lack of awareness, and internet connectivity issues still exist. Overall, the study concludes that FinTech plays a vital role in promoting financial inclusion and economic development, while highlighting the need for better digital education, security measures, and technological infrastructure.
KEYWORDS
The study titled “A Study on the Impact of FinTech on Financial Inclusion” concludes that Financial Technology has significantly transformed the financial services sector by improving accessibility, convenience, efficiency, and participation in the formal financial system. The research, based on primary data collected from 100 respondents through a structured questionnaire, clearly indicates that FinTech services such as mobile banking, UPI platforms, digital wallets, and online payment systems have become an essential part of everyday financial activities. The findings reveal that a majority of respondents frequently use digital financial services for money transfers, bill payments, and other routine transactions, demonstrating the increasing acceptance and dependence on technology-driven financial solutions.
· Ch. Venkata Krishna Reddy, K. Kalyan Chakravarthy & Manoj Kumar Mishra (2024) “Impact Study of Fintech and Digital Financial Services on Financial Inclusion · Ghosh, J. (2018). Impact of Digital Financial Services on Financial Inclusion. Journal of Financial Inclusion Studies. · Rajan, R. G. (2019). Digital Financial Services and Financial Inclusion in India. Reserve Bank of India Research Publications, Mumbai. · Nilekani, N. (2020). Digital Payment Systems and Financial Inclusion in India. National Payments Corporation of India (NPCI), Mumbai. · Kumar, R. (2021). Growth of the FinTech Ecosystem in India and Its Impact on Financial Inclusion. NITI Aayog Research Series, New Delhi.
Publication Date
7/5/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
Funding Information
No funding information available for this research.
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